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ATM and Debit Card Questions

How do I report a lost or stolen debit card?

Call the Wells Fargo Phone BankSM at 1-800-TO-WELLS (1-800-869-3557) to report your card as lost or stolen and request a replacement card.

If you lose your card while traveling outside the United States:

Call us collect at 1-925-825-7600 and then follow the voice instructions.

Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost, so you won’t be held liable for any unauthorized transactions, as long as they are reported promptly.

How do I dispute a debit card transaction?

Call 1-800-TO-WELLS (1-800-869-3557) to dispute a debit card transaction. We will contact you within ten business days with a resolution or an update about your claim. If you have incurred fees or overdraft charges as a result of the disputed charge, we will reimburse your account if the Bank determines it was an error.

How do I replace a damaged debit card?

If your ATM or debit card is not functioning properly or is damaged, you may order a replacement card by calling 1-800-TO-WELLS (1-800-869-3557). You will receive a new card with a new expiration date within 7 – 10 calendar days, and the Personal Identification Number (PIN) you are currently using will work with your new card.

Visit your local Wells Fargo location to request a temporary instant issue debit card to access your account until you receive your permanent card in the mail.

Can I use my debit card overseas?

Yes, you can use your debit card while traveling outside the United States. Please refer to the following tips:

  • Before you leave, please let us know when and where you’re traveling, as well as the cards you’ll be taking with you. Add your travel plan online, use your mobile app, or call us at 1-800-TO-WELLS.
  • Use your debit card to get local currency internationally at more than 1.5 million Visa® and participating ATM networks. Visit the Visa global ATM network locator to view a list of ATMs that accept your card worldwide.
  • Most foreign ATMs require a four-digit Personal Identification Number (PIN). If your PIN doesn't meet this requirement, you can change it before you leave on your trip — just call 1-800-TO-WELLS(1-800-869-3557) or visit any Wells Fargo ATM or location.
  • Use your debit card to make purchases worldwide at participating retailers and service providers. When you present your card for payment, you will be asked to sign a sales slip rather than entering your PIN.
  • Wells Fargo will assess a $5 fee for ATM cash withdrawals made outside the United States and an International Purchase Transaction fee which is 3% of the transaction amount for each purchase made with your debit card in a foreign currency that has been converted into a U.S. dollar amount by a network.

If you have any difficulty using a foreign ATM, use your debit card to get an over-the-counter cash disbursement at a local financial institution. (Wells Fargo charges a fee which is 3% of the transaction amount for international over-the-counter cash disbursements.) View our quick tips for using your card outside the United States.

For assistance while traveling, you can call Wells Fargo toll-free from foreign countries.

What is a chip card?

It is a card that has a chip on the front as well as the traditional magnetic stripe on the back. The chip provides added security when used at a chip-enabled terminal or ATM and greater global acceptance. Many countries worldwide have adopted chip technology, and it will become the standard for card payments in the U.S. If a merchant or ATM has not yet adopted chip technology, your transaction will be processed using the magnetic stripe as it is today. View the FAQs or take a tour.

How can I request a chip card or get more information?

If you would like to request a chip card at no additional cost or get more information, call

1-800-TO-WELLS (1-800-869-3557).

My debit card is going to expire soon. Do I need to do anything?

You should receive your new debit card in the mail about two weeks before your current card expires. Your current card is good through the last day of the expiration month that appears on the front of your card.

If you do not receive your new card within two weeks of the expiration of your current card, or if your card has already expired, please call us at 1-800-TO-WELLS (1-800-869-3557). Bankers are available to assist you 24 hours a day, 7 days a week.

How do I get a new debit card PIN or change my existing PIN?

If you’ve recently opened a new Wells Fargo account and requested a debit card, you may have already selected your Personal Identification Number (PIN). If not, a PIN will be mailed to you separate from your card. If you do not receive your PIN, please visit your nearest Wells Fargo location and have your debit card available.

If you’re interested in changing an existing PIN, you can do so at any Wells Fargo ATM, visit your nearest Wells Fargo location, or call us at 1-800-TO-WELLS (1-800-869-3557).

What is the $1 charge that appears in my online Account Activity?

There are common reasons that a $1 charge may appear in your online Account Activity:

  • Debit Card Activity. Sometimes merchants perform a test charge to verify your account before authorizing a debit card purchase. These charges are usually for a nominal amount such as $1. Once the actual purchase is charged to your account, the $1 test charge is removed.
  • ATM Statement Fee. There may be a $1 fee when you request a statement at the ATM.

What are my daily purchase and cash withdrawal limits?

Your debit card comes with a daily limit on the dollar amount of purchases you can make with your card. And you have a daily cash withdrawal limit at the ATM. Your daily purchase and cash withdrawal limits are printed on the materials that come with your card. Talk to your local Wells Fargo banker or call 1-800-TO-WELLS (1-800-869-3557) to find out more information about your daily limits.

You can also verify your daily limits by visiting your Card Profile Page in Online Banking. Here's how: Once you have signed on to Online Banking, select the Account Services tab and click on the Account Profile link under Account Information. Look for your debit card or ATM card in the drop down box, highlight it and select Go.

How do I increase my limits?

Call us at 1-800-TO-WELLS (1-800-869-3557) or talk to a banker at a Wells Fargo location.

What types of ATM/debit card/prepaid alerts are available?

There are six ATM/debit card/prepaid alerts you can sign up for:

Purchases

Tell me when a single purchase made with my card exceeds my preset amount.

We will send you an alert when a purchase is made that is greater than the amount you entered when you signed up for this alert.

Tell me when a purchase made over the internet, by phone or mail order with my card exceeds my preset amount.

We will send you an alert when a purchase is made over the internet or at merchants that accept payments over the phone or by mail that is greater than the amount you entered when you signed up for this alert.

Tell me when a purchase made outside the United States with my card exceeds my preset amount.

We will send you an alert when a purchase is made at a merchant located outside the United States that is greater than the amount you entered when you signed up for this alert.

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ATM Activity

Tell me when an ATM withdrawal made with my card exceeds my preset amount.

We will send you an alert if an ATM withdrawal is made at an ATM located within or outside of the United States that is greater than the amount you entered when you signed up for this alert.

Tell me when an ATM withdrawal made outside the United States with my card exceeds my preset amount.

We will send you an alert when an ATM withdrawal is made at an ATM located outside the United States that is greater than the amount you entered when you signed up for this alert.

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Declines

Tell me when my card is declined.

We will tell you when your card was declined and tell you the reason why your transaction was declined.  If necessary, we will include instructions to contact Wells Fargo.

How do I sign up for ATM/debit card alerts?

To sign up for ATM/debit card alerts:

  1. Sign on to Messages & Alerts
  2. Select the Set Up/Modify Alerts tab
  3. Click the Set Up/Modify link next to the card number you would like to set up alerts for.
  4. Check the boxes and delivery points next to the alerts you would like to receive
  5. Click Save at the bottom of the page to save your selections.

If I subscribe to the ATM/Debit Card Activity Alerts, will you still monitor my accounts for out-of-pattern activity?

Absolutely - these alerts supplement the current fraud detection measures we have in place. We regularly review your accounts for out-of-pattern activity. Working together, we can help prevent fraud.

ATM Questions

How do I find an ATM near me?

Use our Locator to find Wells Fargo ATM locations, including driving directions and maps.

More information about ATMs:

  • You can use your ATM card or debit card to make cash withdrawals, transfers, or balance inquiries at any Wells Fargo ATM with no ATM access fee.
  • If there is no Wells Fargo location or ATM in your area, you can use your debit card at more than 1.5 million Visa® and Plus® network ATMs internationally. Visit the Visa global ATM network locator to view a list of ATMs that accept your card worldwide.
  • There is a fee for using your debit or ATM card at non-Wells Fargo locations in addition to any fee an owner/operator of the ATM may charge. For details, refer to your Consumer Account Fee and Information Schedule or call us at 1-800-TO-WELLS (1-800-869-3557).

What advantages does an Envelope-FreeSM ATM provide?

With Wells Fargo's innovative ATMs, you don’t need an envelope to make a deposit. Just insert up to 30 checks or 50 bills at once, and the ATM does the rest. The ATM scans your checks, counts your bills, and totals them on screen. You can adjust your total and print images of your checks on your receipt. Plus, checks deposited on business days before 9 pm (8 pm in Alaska) are considered received that day.

For more details, visit Wells Fargo ATM Banking or take our ATM tour.

What does “Extended Deposit Cutoff” mean?

For your convenience, checks deposited in our Envelope-FreeSM ATMs are considered received that same day until 9 pm weekdays (8 pm in Alaska). Checks deposited on bank holidays, weekends, or weekdays after 9 pm are considered received the next day. Cash deposits are available for use immediately.

What are the non-Wells Fargo ATM fees?

You can make withdrawals without a fee at any of our ATMs. If you use an ATM that is not Wells Fargo’s, a fee may apply.

Fees vary by type of account. Typical fees for transactions at non-Wells Fargo ATMs are:

  • Non-Wells Fargo ATM Withdrawal Transaction fee*:
    • U.S.: $2.50
    • International: $5
  • Balance Inquiry fee: $2.00
  • Transfer fee: $2.00
  • Other fees: Owners and operators of non-Wells Fargo ATMs may charge a fee in addition to those described above.

*Customers in the following checking account package will receive a total of up to 2 free non-Wells Fargo ATM withdrawal transactions (combined U.S. and International) per statement cycle; waived if PMA qualifying balance is $250,000 or more:

  • Wells Fargo PMA® Package

For Wells Fargo fees specific to your account, please refer to your Consumer Account Fee and Information Schedule or call us at 1-800-TO-WELLS (1-800-869-3557).

What should I do if I have difficulty using an ATM in a foreign country?

If you have trouble using an ATM in a foreign country, it might be because you do not have a four-digit PIN, or because the ATM is not in our participating network. To get cash you can:

  • Use your debit card to get an over-the-counter cash disbursement at a local bank. Wells Fargo charges a fee of 3% of the transaction amount for over-the-counter cash disbursements.
  • Write a check from your Wells Fargo account and cash it at a local financial institution.